Discord vs PayPal: whose terms are worse?

If you have a dispute with Discord, you'll need to go through their informal dispute resolution process before starting arbitration. You can only pursue a claim on an individual basis, not as part of a class action.

Disputes with PayPal will be resolved through arbitration, not in court. This means you won't be able to sue PayPal or participate in a class-action lawsuit.

You can't sue Discord as part of a class action. If you have a dispute, you'll need to resolve it individually.

If you request a check from PayPal, you must cash it within 180 days or the funds will be returned to your account and you'll lose the $1.50 fee.

Discord can change these terms at any time, and if you keep using their services, you're agreeing to the new terms.

PayPal can change its terms at any time, and you're bound by those changes if you keep using the service. You'll get at least 21 days' notice if the changes affect personal accounts, or 5 days' notice for business accounts.

If Discord's outage or other issue costs you money, the most you can get back is what you paid them in the last month. They won't pay for other losses, like lost profits or opportunities.

If PayPal's outage or other issue costs you money, the most you can get back is what you paid them last month. This limit applies even if the problem was PayPal's fault.

Discord can terminate your account at any time, with or without notice, and you can also stop using their services at any time.

PayPal can close your account at any time, with or without notice. If this happens, you'll still be responsible for any outstanding fees or debts.

You're responsible for any mobile charges you incur while using Discord's services, including data charges.

PayPal may ask for your tax ID number or other tax-related information to comply with tax laws. You're responsible for paying any taxes owed on your PayPal transactions.

Discord owns the rights to their software and services, and you can't use them without permission.

PayPal will keep your money separate from its own funds, so if the company goes bankrupt, your balance should be safe. However, this protection doesn't apply to cryptocurrency holdings.

Discord may allow you to access third-party services, but they're not responsible for those services or their content.

PayPal may convert your money to a different currency if necessary, using its own exchange rate. You can't use PayPal for speculative trading or trying to profit from currency conversions.

You must be at least 13 years old to use Discord. If you're younger, you'll need permission from a parent or guardian. They'll be responsible for your actions on the platform.